Charleston, WV - Data on Home Insurance Quotes, Rates & Agents
Charleston, WV Home Values & Insurance Rates
| Charleston, WV Home Value | Total Homes | % of Total | Average Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 1,573 | 12.0% | $158 |
| $50,000 to $59,999 | 619 | 4.0% | $335 |
| $60,000 to $69,999 | 681 | 5.0% | $419 |
| $70,000 to $79,999 | 673 | 5.0% | $485 |
| $80,000 to $89,999 | 727 | 5.0% | $550 |
| $90,000 to $99,999 | 704 | 5.0% | $615 |
| $100,000 to $124,999 | 1,411 | 10.0% | $718 |
| $125,000 to $149,999 | 1,087 | 8.0% | $895 |
| $150,000 to $174,999 | 1,245 | 9.0% | $1063 |
| $175,000 to $199,999 | 933 | 7.0% | $1231 |
| $200,000 to $249,999 | 1,374 | 10.0% | $1474 |
| $250,000 to $299,999 | 943 | 7.0% | $1810 |
| $300,000 to $399,999 | 1,095 | 8.0% | $2295 |
Top Home Insurance Agents Near Charleston, WV
| Home Insurance Company Near Charleston, WV | Homeowners Insurance Agency Near Charleston, WV | Address |
|---|---|---|
| Allstate | Travis Foster | 127 Goff Mountain Rd, Cross Lanes, WV, 25313 |
| State Farm | Tyler Courts | 101 Court St N, Ripley, WV, 25271-1207 |
| NA | Evans-Moore Insurance Agency, Inc. | 514 2Nd Ave , Gallipolis, OH, 45631 |
| NA | Crum Insurance | 621 3Rd Ave Frnt , Chesapeake, OH, 45619 |
| Travelers | Peoples Insurance Agency Llc | 101 FIFTH AVE, HUNTINGTON, WV, 25701 |
Estimated Home Insurance By Street Area Near Charleston, WV
| Charleston Area | Estimated House Insurance |
|---|---|
| Chamnes Ln, Athens Ave, Callie Rd, Baird Dr, Hunt Ave, Co Rte 20, Hinton, Marburn Rd, Titan Dr, Wesley Dr | $896 |
| Francis Dr, Old US Hwy 60, Ehman Dr, Westview Dr, Tudor Rd, S St, Mud Lick Rd, 50th St SE, Penn Ave, Poplar St | $923 |
| Evergreen Dr, Capitol St, 72nd St SE, Ring Hollow Rd, Hazel Rd, Beacon Ln, Pickford Ct, Mount Alpha Rd, Beulah St, Rose Hill Dr | $927 |
| Woodvale Dr, Frog Creek, California Ave, Hunter Rd, Phyllis Dr, McGuffin Dr, Thornhill Ln, Kent St, Co Rte 119/73, Brookstone Rd | $930 |
| Lynnhaven Dr, Slacks Branch Rd, Lyndale Dr, Friendly Dr, McCormick St, Co Rte 73/7, Rummelbrown Dr, Quarrier St E, Jane St, Shelton Ave | $933 |
| E 5th St, Puckett Dr, Layman Ln, State Forest Connell Rd, Wilkie Dr, Rattlesnake Hollow Rd, Westminister Way, Forest Edge Ln, Potomac St, Aliff Dr | $885 |
| Dryden Rd, Biden Dr, Heavenly Dr, Davis Creek, Danner Rd, Viola Rd, 20th St SE, Cross Creek Rd, Claymont Rd, Brynwood Dr | $908 |
| Kingston Ct, Pittman Rd, Chandler Dr, King St, Mink Shoal Branch, Mountain Rd, Co Rte 46/3, Walden St, Branch Rd, Draper Dr | $900 |
| Columbia Ave, School St, Bare Ln, 4th St E, Floyd Dr, Upper Ridgeway Rd, Quail Pointe Dr, McDonald St, E Donnally Rd, Shellar Dr | $898 |
| Edgewood Dr, Young St, Clover Dr, Hermitage Rd, Somerlayton Rd, Kay Ln, Rustling Rd, Newton Rd, Glen Cove Dr, Kinser Rd | $952 |
Savings on home insurance for senior occupied homes
| Place | Savings |
|---|---|
| Charleston | $139 to $142 |
| South Charleston | $136 |
| Dunbar | $134 |
| Rand | $131 |
Charleston, WV Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Charleston, WV | 6.7% | 21.0% |
| South Charleston | 7.84% | 22.1% |
| Dunbar | 8.26% | 25.17% |
| Rand | 9.19% | 33.26% |
Charleston Renters Insurance as a Percentage of Rent
| Charleston Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 496 | 5.0% | $353 |
| $200 to $299 | 611 | 7.0% | $803 |
| $300 to $499 | 1,364 | 15.0% | $1253 |
| $500 to $749 | 3,405 | 39.0% | $1928 |
| $750 to $999 | 1,750 | 20.0% | $2678 |
| $1,000 to $1,499 | 799 | 9.0% | $3803 |
| $1,500 or more | 180 | 2.0% | $5453 |
Charleston, WV Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,700 | $4,700 |
| Yearly Charleston Homeowner Insurance Premium Example | $1,400 | $900 |
| Out of Pocket Expense During Claim | $1,700 | $4,700 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $11,500 | $11,000 |
| Net Savings to Charleston Home Owner from High Deductible Plan | $500 | |
Charleston, WV Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Charleston, WV Home Replacement Value MORE than Home Value | Charleston, WV Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $105,500 | $64,500 |
| Insurance Premium based on Replacement Value | $500 | $300 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $20,500 | Risk Exposure from Under Insuring Coverage is $20,500 |
| Premium Impact | Insurance cheaper by $100/year | Insurance costlier by $100/year |
Example Charleston Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Erie Insurance | Amica Mutual Insurance Company | GEICO Insurance |
| Monthly Premium | 39 | 55 | 45 |
| Year Built | 1964 | 1956 | 1977 |
| Home Details | 3 Beds, 2 Baths | 5 Beds, 1 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $175000-$200000 | $200000-$250000 | $125000-$150000 |
| Deductible | $5000 to $10,000 Deductible | > $10,000 Deductible | $500 Deductible |
Charleston, WV Auto & Home Insurance Bundling Discounts
| Place | 1 Car Bundle Savings | 2 Car Bundle Savings | 3 Car Bundle Savings |
|---|---|---|---|
| South Charleston city, West Virginia | $136 | $181 | $272 |
| Dunbar city, West Virginia | $134 | $179 | $269 |
| Rand CDP, West Virginia | $131 | $175 | $263 |
Sample Home Insurance Rates for Charleston, WV from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1959 | 180,000 | Tile Roof | 1,750 | 2 | $500- $1000 Deductible | 480 | 8 | Brick siding | yes |
| 1968 | 170,000 | Shingles Roof | 1,740 | 2 | $5000 to $10,000 Deductible | 110 | 3 | Vinyl siding | No |
| 1984 | 100,000 | Asphalt Shingles Roof | 1,360 | 2 | $500- $1000 Deductible | 110 | 3 | Fiber-Cement Siding | No |
| 1974 | 130,000 | Membrane Roof | 1,260 | 2 | $500 Deductible | 340 | 9 | Fiber-Cement Siding | yes |
| 1977 | 180,000 | Asphalt Shingles Roof | 2,010 | 4 | $5000 to $10,000 Deductible | 510 | 10 | Stone Siding | yes |
| 1975 | 360,000 | Composition Roof | 4,250 | 5 | $5000 to $10,000 Deductible | 370 | 3 | Wood siding | yes |
| 1988 | 95,000 | Tile Roof | 1,270 | 3 | $1000-$2500 Deductible | 110 | 3 | Stone Siding | yes |
| 1947 | 195,000 | Slate Shingles Roof | 2,110 | 4 | $500 Deductible | 340 | 6 | Brick siding | No |
| 1946 | 140,000 | Wood Shake Roof | 1,470 | 2 | $1000-$2500 Deductible | 80 | 2 | Stone Siding | No |
| 1962 | 80,000 | Metal Roof | 1,010 | 2 | $1000-$2500 Deductible | 90 | 5 | Vinyl siding | yes |
| 1957 | 310,000 | Metal Roof | 3,060 | 4 | $500- $1000 Deductible | 480 | 4 | Stucco siding | No |
| 1952 | 120,000 | Asphalt Shingles Roof | 1,220 | 3 | $1000-$2500 Deductible | 40 | 1 | Stone Siding | yes |
| 1945 | 235,000 | Metal Roof | 2,610 | 4 | $1000-$2500 Deductible | 760 | 8 | Stucco siding | No |